| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $7K | $660 | $8K | 10.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: PRECEPT, A DIV OF MCGRIFF INS SVCS | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | METLIFE LEGAL PLANS | — | $431 | $431 | 0.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | METLIFE LEGAL PLANS | — | $22 | $22 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 4480 WILLOW ROAD PLEASANTON, CA 945888519 | METLIFE LEGAL PLANS | — | $9 | $9 | 0.01% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| FBP INSURANCE SERVICES3 | 130 THEORY STREET SUITE 200 IRVINE, CA 926173065 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $79 | — | $79 | 5.45% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 323 | $7.0M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,038 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,038 | $413K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 323 | $7.0M |
| Other(7 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,107 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,107 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.